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According to the latest research, the global Merchant Cash Advance market size was valued at USD 2795.65 million in 2022 and is expected to expand at a CAGR of 21.72% during the forecast period, reaching USD 9092.81 million by 2028.
Merchant Cash Advance is a form of business financing that differs from traditional bank loans. Merchant Cash Advance offers businesses an alternative to other financing methods. The business receives a one-time payment from the merchant cash advance provider and repays the advance as a percentage of the business's sales. Merchant Cash Advance is an option for businesses that have high credit card sales, need quick financing, or may not qualify for traditional loans.
Influence of COVID-19 Outbreak on Merchant Cash Advance Industry Development
More than 6.49 million people have died from Covid-19 globally since the outbreak began, and the death toll continues to rise. At present, the global economy continues to recover, but due to intensified supply chain disruptions and increased global economic uncertainty, the recovery momentum has weakened. This is the worst global recession in decades, despite huge efforts by governments to support financial and monetary policy. But in the longer term, a severe recession caused by the broader environment is expected to lead to a prolonged downturn.
For the merchant cash advance industry, the pandemic has dealt a huge blow to SMEs across the globe. Relevant data surveys show that the income of the vast majority of small and medium-sized enterprises has declined. Revenue declines vary by country, depending on the severity of virus containment measures and their impact on business activity. The worst affected will be the accommodation, food service, arts, entertainment, and leisure industries. In these industries, nearly 40% of SMEs said they may have to suspend projects. The daily operation scale of small and medium-sized enterprises is huge, the demand for financing increases, and the demand for a cash advances from merchants increases.
Drivers
The flexibility of Merchant Cash Advance
Compared to the structure of traditional loans, Merchant Cash Advance offers greater flexibility. Payments to merchant cash advance companies fluctuate directly with merchant sales, giving
merchants more flexibility in managing cash flow, especially during low seasons. Merchant Cash Advance is processed faster than typical loans, allowing borrowers to access funds faster. Because Merchant Cash Advance is based on actual sales, merchant cash advance providers generally do not require a credit report or file an inquiry with the credit bureau. Merchant Cash Advance providers often place more emphasis on the underlying performance of the business than the owner's credit score. Overall, Merchant Cash Advance is a flexible loan that enables businesses with volatile demand to take control of their finances and is especially beneficial to businesses in the retail, hospitality, and e-commerce sectors. The flexibility of Merchant Cash Advance is one factor that drives companies in the industry.
Emerging Market Trends
Merchant cash advances raise funds for the enterprise, which can maintain the daily activities and short-term needs of the enterprise, and ensure the stable cash flow and moderate growth of the enterprise. This business model is in demand by the enterprise. The downstream capital needs of the merchant cash advance industry involve businesses from all walks of life. Common businesses include medical and wellness, retail, beauty salons and spas, restaurants, franchising, construction and contractors, automotive, and more.
Region Overview:
In global comparison, a significant portion of the revenue was generated in United States (47.77% in 2021).
Company Overview:
PayPal Working Capital is one of the major players operating in the Merchant Cash Advance market, holding a share of 8.46% in 2022.
PayPal Working Capital
Grant payments will enable charities to receive grants shortly after grantors approve funding. Both funders and charities can access all available funding details, including donor information provided, through the PayPal dashboard. Eligible and participating charities have been vetted against PayPal's stringent compliance standards. PayPal is committed to providing secure, reliable and seamless products and services to improve the efficiency of funders and charities in sending and receiving grant payments digitally.
CAN Capital
In its more than 22 years in business, CAN Capital has leveraged its proprietary data-driven model, team of experts, technology and client-centric delivery to earn its status as the most experienced alternative finance firm serving small businesses.
Segmentation Overview:
By type, $ 0-250,000 segment accounted for the largest share of market in 2021.
Application Overview:
The market's largest segment by application is the segment Time in Business 6 - 12 Months, with a market share of 41.87% in 2021.
This report elaborates on the market size, market characteristics, and market growth of the Merchant Cash Advance industry between the year 2018 to 2028, and breaks down according to the product type, downstream application, and consumption area of Merchant Cash Advance. The report also introduces players in the industry from the perspective of the value chain and looks into the leading companies.
Key Points this Global Merchant Cash Advance Market Report Include:
Market Size Estimates: Merchant Cash Advance market size estimation in terms of revenue and sales from 2018-2028
Market Dynamic and Trends: Merchant Cash Advance market drivers, restraints, opportunities, and challenges
Macro-economy and Regional Conflict: Influence of global inflation and Russia & Ukraine War on the Merchant Cash Advance market
Segment Market Analysis: Merchant Cash Advance market revenue and sales by type and by application from 2018-2028
Regional Market Analysis: Merchant Cash Advance market situations and prospects in major and top regions and countries
Merchant Cash Advance Market
Merchant Cash Advance Industry Chain: Merchant Cash Advance market raw materials & suppliers, manufacturing process, distributors by region, downstream customers
Merchant Cash Advance Industry News, Policies by regions
Merchant Cash Advance Industry Porters Five Forces Analysis
Key players in the global Merchant Cash Advance market are covered in Chapter 2:
Credibly
Merchant Money
Youlend
Nucleus Commercial Finance
CAN Capital
Kalamata Capital Group
Fora Financial
Liberis
Rapid Finance
PayPal Working Capital
Libertas Funding
Kabbage
Capify
National Funding
Reliant Funding
In Chapter 6 and Chapter 9, on the basis of types, the Merchant Cash Advance market from 2018 to 2028 is primarily split into:
$ 0-250,000
$ 250,000- 500,000
>$ 500,000
In Chapter 7 and Chapter 10, on the basis of applications, the Merchant Cash Advance market from 2018 to 2028 covers:
Time in Business <6 Months
Time in Business 6-12 Months
Time in Business 12-18 Months
Time in Business >18 Months
Geographically, the detailed analysis of consumption, revenue, market share and growth rate of the following regions from 2018 to 2028 are covered in Chapter 8 and Chapter 11:
United States
Europe
China
Japan
India
Southeast Asia
Latin America
Middle East and Africa
Others
In summary, this report relies on sources from both primary and secondary, combines comprehensive quantitative analysis with detailed qualitative analysis, and pictures the market from a macro overview to micro granular segment aspects. Whatever your role in this industry value chain is, you should benefit from this report with no doubt.
Chapter Outline
This report consists of 12 chapters. Below is a brief guideline to help you quickly grasp the main contents of each chapter:
Chapter 1 first introduces the product overview, market scope, product classification, application, and regional division, and then summarizes the global Merchant Cash Advance market size in terms of revenue, sales volume, and average price.
Chapter 2 analyzes the main companies in the Merchant Cash Advance industry, including their main businesses, products/services, sales, prices, revenue, gross profit margin, and the latest developments/updates.
Chapter 3 is an analysis of the competitive environment of Merchant Cash Advance market participants. This mainly includes the revenue, sales, market share, and average price of the top players, along with the market concentration ratio in 2022 and the players' M&A and expansion in recent years.
Chapter 4 is an analysis of the Merchant Cash Advance industrial chain, including raw material analysis, manufacturing cost structure, distributors, and major downstream buyers.
Chapter 5 focuses on Merchant Cash Advance market dynamics and marketing strategy analysis, which include opportunities, challenges, industry development trends under inflation, industry news and policies analyzed by region, Porter's Five Forces analysis, as well as direct and indirect marketing, and the development trends of marketing channels.
Chapters 6-8 have segmented the Merchant Cash Advance market by type, application, and region, with a focus on sales and value from 2018 to 2023 from both vertical and horizontal perspectives.
Chapters 9-11 provide detailed Merchant Cash Advance market forecast data for 2023-2028, broken down by type and application, region, and major countries to help understand future growth trends.
Chapter 12 concludes with an explanation of the data sources and research methods. Verify and analyze through preliminary research to obtain final quantitative and qualitative data.
2022
Merchant Cash Advance is a form of business financing that differs from traditional bank loans. Merchant Cash Advance offers businesses an alternative to other financing methods. The business receives a one-time payment from the merchant cash advance provider and repays the advance as a percentage of the business's sales. Merchant Cash Advance is an option for businesses that have high credit card sales, need quick financing, or may not qualify for traditional loans.
Influence of COVID-19 Outbreak on Merchant Cash Advance Industry Development
More than 6.49 million people have died from Covid-19 globally since the outbreak began, and the death toll continues to rise. At present, the global economy continues to recover, but due to intensified supply chain disruptions and increased global economic uncertainty, the recovery momentum has weakened. This is the worst global recession in decades, despite huge efforts by governments to support financial and monetary policy. But in the longer term, a severe recession caused by the broader environment is expected to lead to a prolonged downturn.
For the merchant cash advance industry, the pandemic has dealt a huge blow to SMEs across the globe. Relevant data surveys show that the income of the vast majority of small and medium-sized enterprises has declined. Revenue declines vary by country, depending on the severity of virus containment measures and their impact on business activity. The worst affected will be the accommodation, food service, arts, entertainment, and leisure industries. In these industries, nearly 40% of SMEs said they may have to suspend projects. The daily operation scale of small and medium-sized enterprises is huge, the demand for financing increases, and the demand for a cash advances from merchants increases.
Drivers
The flexibility of Merchant Cash Advance
Compared to the structure of traditional loans, Merchant Cash Advance offers greater flexibility. Payments to merchant cash advance companies fluctuate directly with merchant sales, giving
merchants more flexibility in managing cash flow, especially during low seasons. Merchant Cash Advance is processed faster than typical loans, allowing borrowers to access funds faster. Because Merchant Cash Advance is based on actual sales, merchant cash advance providers generally do not require a credit report or file an inquiry with the credit bureau. Merchant Cash Advance providers often place more emphasis on the underlying performance of the business than the owner's credit score. Overall, Merchant Cash Advance is a flexible loan that enables businesses with volatile demand to take control of their finances and is especially beneficial to businesses in the retail, hospitality, and e-commerce sectors. The flexibility of Merchant Cash Advance is one factor that drives companies in the industry.
Emerging Market Trends
Merchant cash advances raise funds for the enterprise, which can maintain the daily activities and short-term needs of the enterprise, and ensure the stable cash flow and moderate growth of the enterprise. This business model is in demand by the enterprise. The downstream capital needs of the merchant cash advance industry involve businesses from all walks of life. Common businesses include medical and wellness, retail, beauty salons and spas, restaurants, franchising, construction and contractors, automotive, and more.
Region Overview:
In global comparison, a significant portion of the revenue was generated in United States (47.77% in 2021).
Company Overview:
PayPal Working Capital is one of the major players operating in the Merchant Cash Advance market, holding a share of 8.46% in 2022.
PayPal Working Capital
Grant payments will enable charities to receive grants shortly after grantors approve funding. Both funders and charities can access all available funding details, including donor information provided, through the PayPal dashboard. Eligible and participating charities have been vetted against PayPal's stringent compliance standards. PayPal is committed to providing secure, reliable and seamless products and services to improve the efficiency of funders and charities in sending and receiving grant payments digitally.
CAN Capital
In its more than 22 years in business, CAN Capital has leveraged its proprietary data-driven model, team of experts, technology and client-centric delivery to earn its status as the most experienced alternative finance firm serving small businesses.
Segmentation Overview:
By type, $ 0-250,000 segment accounted for the largest share of market in 2021.
Application Overview:
The market's largest segment by application is the segment Time in Business 6 - 12 Months, with a market share of 41.87% in 2021.
This report elaborates on the market size, market characteristics, and market growth of the Merchant Cash Advance industry between the year 2018 to 2028, and breaks down according to the product type, downstream application, and consumption area of Merchant Cash Advance. The report also introduces players in the industry from the perspective of the value chain and looks into the leading companies.
Key Points this Global Merchant Cash Advance Market Report Include:
Market Size Estimates: Merchant Cash Advance market size estimation in terms of revenue and sales from 2018-2028
Market Dynamic and Trends: Merchant Cash Advance market drivers, restraints, opportunities, and challenges
Macro-economy and Regional Conflict: Influence of global inflation and Russia & Ukraine War on the Merchant Cash Advance market
Segment Market Analysis: Merchant Cash Advance market revenue and sales by type and by application from 2018-2028
Regional Market Analysis: Merchant Cash Advance market situations and prospects in major and top regions and countries
Merchant Cash Advance Market
Competitive Landscape
and Major Players: Analysis of 10-15 leading market players, sales, price, revenue, gross, gross margin, product/service profile and recent development/updates, etc.Merchant Cash Advance Industry Chain: Merchant Cash Advance market raw materials & suppliers, manufacturing process, distributors by region, downstream customers
Merchant Cash Advance Industry News, Policies by regions
Merchant Cash Advance Industry Porters Five Forces Analysis
Key players in the global Merchant Cash Advance market are covered in Chapter 2:
Credibly
Merchant Money
Youlend
Nucleus Commercial Finance
CAN Capital
Kalamata Capital Group
Fora Financial
Liberis
Rapid Finance
PayPal Working Capital
Libertas Funding
Kabbage
Capify
National Funding
Reliant Funding
In Chapter 6 and Chapter 9, on the basis of types, the Merchant Cash Advance market from 2018 to 2028 is primarily split into:
$ 0-250,000
$ 250,000- 500,000
>$ 500,000
In Chapter 7 and Chapter 10, on the basis of applications, the Merchant Cash Advance market from 2018 to 2028 covers:
Time in Business <6 Months
Time in Business 6-12 Months
Time in Business 12-18 Months
Time in Business >18 Months
Geographically, the detailed analysis of consumption, revenue, market share and growth rate of the following regions from 2018 to 2028 are covered in Chapter 8 and Chapter 11:
United States
Europe
China
Japan
India
Southeast Asia
Latin America
Middle East and Africa
Others
In summary, this report relies on sources from both primary and secondary, combines comprehensive quantitative analysis with detailed qualitative analysis, and pictures the market from a macro overview to micro granular segment aspects. Whatever your role in this industry value chain is, you should benefit from this report with no doubt.
Chapter Outline
This report consists of 12 chapters. Below is a brief guideline to help you quickly grasp the main contents of each chapter:
Chapter 1 first introduces the product overview, market scope, product classification, application, and regional division, and then summarizes the global Merchant Cash Advance market size in terms of revenue, sales volume, and average price.
Chapter 2 analyzes the main companies in the Merchant Cash Advance industry, including their main businesses, products/services, sales, prices, revenue, gross profit margin, and the latest developments/updates.
Chapter 3 is an analysis of the competitive environment of Merchant Cash Advance market participants. This mainly includes the revenue, sales, market share, and average price of the top players, along with the market concentration ratio in 2022 and the players' M&A and expansion in recent years.
Chapter 4 is an analysis of the Merchant Cash Advance industrial chain, including raw material analysis, manufacturing cost structure, distributors, and major downstream buyers.
Chapter 5 focuses on Merchant Cash Advance market dynamics and marketing strategy analysis, which include opportunities, challenges, industry development trends under inflation, industry news and policies analyzed by region, Porter's Five Forces analysis, as well as direct and indirect marketing, and the development trends of marketing channels.
Chapters 6-8 have segmented the Merchant Cash Advance market by type, application, and region, with a focus on sales and value from 2018 to 2023 from both vertical and horizontal perspectives.
Chapters 9-11 provide detailed Merchant Cash Advance market forecast data for 2023-2028, broken down by type and application, region, and major countries to help understand future growth trends.
Chapter 12 concludes with an explanation of the data sources and research methods. Verify and analyze through preliminary research to obtain final quantitative and qualitative data.
Years considered for this report:
Historical Years:
2018-2022Base Year:
2022Estimated Year:
2023Forecast Period:
2023-2028Frequently Asked Questions
This market study covers the global and regional market with an in-depth analysis of the overall growth prospects in the market. Furthermore, it sheds light on the comprehensive competitive landscape of the global market. The report further offers a dashboard overview of leading companies encompassing their successful marketing strategies, market contribution, recent developments in both historic and present contexts.
- By product type
- By End User/Applications
- By Technology
- By Region
The report provides a detailed evaluation of the market by highlighting information on different aspects which include drivers, restraints, opportunities, and threats. This information can help stakeholders to make appropriate decisions before investing.
